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Calculate Iban From Swift Code and Account Number

Reviewed by Calculator Editorial Team

An International Bank Account Number (IBAN) is a standardized way to identify bank accounts across national borders. While the IBAN itself is unique to each account, it can be derived from the SWIFT code and account number when combined with the country code and check digits. This guide explains how to calculate an IBAN from these components.

How to Calculate IBAN from SWIFT Code and Account Number

The IBAN calculation process involves several steps:

  1. Identify the country code (2 letters)
  2. Calculate the check digits (2 digits)
  3. Combine with the account number and SWIFT code
  4. Format the result into groups of 4 characters

The exact calculation requires the country-specific IBAN format rules, which vary by country. The SWIFT code (BIC) is typically 8 or 11 characters long and identifies the bank. The account number format depends on the country.

Note: The IBAN calculation is country-specific. Different countries have different formats and rules for generating check digits.

Formula Used

The general formula for IBAN calculation is:

IBAN = Country Code + Check Digits + Account Number + SWIFT Code

The check digits are calculated using a modulo 97 operation on the numeric representation of the IBAN without the check digits. The formula is:

Check Digits = 98 - (Modulo 97 of (Numeric Representation))

Where the numeric representation replaces each letter with its position in the alphabet (A=10, B=11, etc.) and concatenates all components.

Worked Example

Let's calculate an example IBAN for a German account:

  1. Country code: DE
  2. SWIFT code: DEUTDEBBXXX
  3. Account number: 1234567890

The calculation would involve:

  1. Converting letters to numbers (DE=1305, DEUTDEBBXXX=1305210520142322242400000000)
  2. Concatenating with account number (1234567890)
  3. Calculating modulo 97
  4. Determining check digits
  5. Formatting the final IBAN

The resulting IBAN would be: DE89 3704 0044 0532 0130 00

Frequently Asked Questions

Can I calculate IBAN from SWIFT code and account number alone?
No, you need the country code and specific formatting rules for the country. The SWIFT code and account number alone are not sufficient.
Is the IBAN calculation the same for all countries?
No, the calculation and format vary by country. Each country has its own IBAN structure and rules.
What if I don't know the country code?
You must know the country code to calculate the IBAN. The country code is part of the IBAN and identifies the country where the account is held.
Can I use this calculator for any country?
This calculator provides the general method, but you'll need to know the specific country rules for accurate results.